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Upbound GroupUPBD +1.64%67 Beneish M-Score is -2.93 as of Aug. 10, 2026. GuruFocus rates UPBD with a GF Score™ of 67/100 and a GF Value™ of $28.98 (Significantly Undervalued). The stock has 8 warning signs investors should review. Among 2,632 Software companies, Upbound Group ranks better than 73.59% on this metric.
The zones of discrimination for M-Score is as such:
An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.
Good Sign:
Beneish M-Score -2.93 no higher than -1.78, which implies that the company is unlikely to be a manipulator.
The historical rank and industry rank for Upbound Group's Beneish M-Score or its related term are showing as below:
UPBD'
s Beneish M-Score Range Over the Past 10 Years
Min: -6.5 Med: -2.75 Max: -0.39
Current: -2.93
During the past 13 years, the highest Beneish M-Score of Upbound Group was -0.39. The lowest was -6.50. And the median was -2.75.
The historical data trend for Upbound Group's Beneish M-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UPBD vs DFIN, SECZ, AMPL: Beneish M-Score Comparison
For the Software - Application subindustry, Upbound Group's Beneish M-Score, along with its competitors' market caps and Beneish M-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Upbound Group Beneish M-Score vs Software Industry
For the Software industry and Technology sector, Upbound Group's Beneish M-Score distribution charts can be found below:
* The bar in red indicates where Upbound Group's Beneish M-Score falls into.
The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.
The M-Score Variables:
The M-score of Upbound Group for today is based on a combination of the following eight different indices:
M
=
-4.84
+
0.92 * DSRI
+
0.528 * GMI
+
0.404 * AQI
+
0.892 * SGI
+
0.115 * DEPI
=
-4.84
+
0.92 * 1.0213
+
0.528 * 0.9724
+
0.404 * 0.9329
+
0.892 * 1.0585
+
0.115 * 0.9757
-
0.172 * SGAI
+
4.679 * TATA
-
0.327 * LVGI
-
0.172 * 0.9481
+
4.679 * -0.107971
-
0.327 * 0.9418
=
-2.93
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.
DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.
DEPI
=
(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1))
/
(Depreciation_t / (Depreciaton_t + PPE_t))
=
(1463.691 / (1463.691 + 1787.773))
/
(1518.284 / (1518.284 + 1772.622))
=
0.450164
/
0.461357
=
0.9757
Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.
6. SGAI = Sales, General and Administrative expenses Index
Total accruals calculated as the change in working capital accounts other than cash less depreciation.
TATA
=
(IncomefromContinuingOperations_t
-
CashFlowsfromOperations_t)
/
TotalAssets_t
=
(NetIncome_t - NonOperatingIncome_t
-
CashFlowsfromOperations_t)
/
TotalAssets_t
=
(90.337 - 0
-
425.454)
/
3103.759
=
-0.107971
An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.
Upbound Group has a M-score of -2.93 suggests that the company is unlikely to be a manipulator.
Upbound Group (UPBD) has a Beneish M-Score of -2.93 as of Aug. 10, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Upbound Group and its competitors. According to the industry distribution chart, Upbound Group ranks #695 out of 2632 companies in the Software industry, placing it in the top 26.4%.
Is Upbound Group's Beneish M-Score too high?
Upbound Group's current Beneish M-Score is -2.93. Based on the distribution chart, Upbound Group ranks #695 out of 2632 companies in the Software industry, which is above the industry midpoint. Overall, Upbound Group has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upbound Group's Beneish M-Score compare to DFIN and SECZ?
According to the Software industry distribution chart, Upbound Group ranks #695 out of 2632 companies for Beneish M-Score. This puts Upbound Group in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beneish M-Score for a Software company?
A good Beneish M-Score depends on the Software industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beneish M-Score mean?
A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Upbound Group and its competitors. Upbound Group's current Beneish M-Score is -2.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upbound Group stock overvalued right now?
Based on GuruFocus' analysis, Upbound Group (UPBD) is currently considered Significantly Undervalued. The stock's GF Value™ is $28.98, compared to a current price of $19.84 — trading 31.6% below its estimated fair value. The current Beneish M-Score is -2.93. Upbound Group's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beneish M-Score calculated?
Beneish M-Score is calculated from a company's financial statements. For Upbound Group (UPBD), the current Beneish M-Score is -2.93 as of Aug. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upbound Group (UPBD) Overvalued in 2026?
Based on GuruFocus' analysis, Upbound Group stock appears to be undervalued.
The current stock price of $19.84 is trading 31.6% below its estimated GF Value™ of $28.98.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for UPBD:
Beneish M-Score: -2.93
GF Value™: $28.98 vs. price of $19.84 (31.6% below fair value)
No single metric tells the full story. See the UPBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has four operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions, Mexico segment offers lease-to-own stores in Mexico. The The Brigit segment offers various financial health products and tools to help users improve their financial health. The company derives a majority of its revenue from the Acima segment.
67GF Score
Get the complete analysis for UPBD
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